SBI Cards and Payment Services Limited (SBICARD)
Credit Rating
ICRA reaffirmed SBI Cards' credit ratings across multiple debt instruments with stable outlook. Ratings include [ICRA]AAA (Stable) for NCDs, subordinated debt, term loans, and bank lines; [ICRA]A1+ for commercial paper. One Rs. 800 crore NCD rating was withdrawn due to maturity. Strong parentage of SBI (68.58% stake) supports credit profile. FY26 RoA improved to 3.2%, gross stage 3 assets declined to 2.4%. Adequate capitalisation with Tier I at 20.3% as of June 30, 2026. Liquidity remains strong with Rs. 14,600 crore unutilised bank lines. Asset quality and risk appetite recalibration remain key monitorables.
Source: Original filing PDF
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🚨 SBICARD — Quarterly Results
Revenue: ₹2,35,800 Cr (+12% YoY)
PAT: ₹19,200 Cr (+17% YoY)
EBITDA margin: 16.8%
Board declared ₹10/share dividend. Jio adds 8M subs.
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